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Frequently Asked Questions

Q: Why would it be easier to provide coverage than it is today?

You won't be required to provide health insurance to your employees, but if you choose to, new tax credits will make covering your employees more affordable. You will also have access to a new insurance exchange to find the best deal, and the entire process will be simpler.


Q: Why would it be easier to provide coverage than it is today?

A: Reform will provide at least three tangible benefits that will make it easier and cheaper for small businesses to provide coverage:

  • First, by allowing small businesses to buy coverage through an insurance exchange—the marketplace where you can shop for health insurance—small businesses will get the benefit of pooling together their employees with millions of others, which will lower their own exposure, lower risk and ultimately lower costs.
  • Second, operating through an exchange will  reduce administrative costs for small businesses and their employees by enabling them to easily and simply compare the prices, benefits, and quality of health plans.
  • Third, many small businesses will be able to get a tax credit to help cover the cost of the coverage they offer.